Credit Report-Understanding Your Fico Credit Score

October 15, 2011 by  
Filed under, Free Debt & Credit Information

Credit reports and understanding your FICO credit score is essential whether you are trying to buy a home, a new car or applying for a credit card. Lenders will want to determine the risk their taking by lending you the money. Most lenders use your FICO credit score (you have 1 score for each of the 3 major credit agencies) to determine if they are willing to lend you money, how much money and at what terms you will receive.

The Average Credit Debt For Americans

October 18,2018 by  
Filed under , Free Debt & Credit Information

The average credit debt for each American has risen from around $10,000 for 2009 to well over $11,000 for this year. The average credit debt per household’s  is around $18,000 to $21,000 and doesn’t include mortgages.

Debt-What Keeps Us There

October 7,2018 by  
Filed under , Free Debt & Credit Information

Debt, and what keeps us there is really no big secret. There are some very identifiable reasons of why most people get stuck at a certain point in their finances and can never seem to get out from. So if your ready, here they are(see which ones you can identify with).

Using On Line Credit Services To Your Advantage

October 2,2018 by  
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Whether you have plenty of money or not enough, it is easy to mismanage what you have. If you have plenty, you probably lose track of what you have. If you never seem to have enough, you always seem to have trouble stretching it. Either way, most of us have had problems when it comes to our finances at least once in our lifetime. When things get tough and we struggle, we often think that no one else is going through financial difficulties around us. But if you will look around, you will notice that other people are struggling also to make ends meet. I’m sure that other people notice when you are down on your luck but are not able to help you since they are in the same situation that you are. Depending on other people is fine sometimes, but you find yourself wanting to fix the problems on your own without adding to theirs. This is when you can use on line credit services to your advantage.

On line credit services are available to all of us in many forms. Knowing where to look can help us to help ourselves with the problems that we are having with our finances. We can venture into a world of knowledge about finances with the help of our computer alone. By looking on the web, we can look for videos and books that will not only teach us how to fix our problems but will also help us to come up with ways to save for our future. You can find incredible tools to help you in different areas also. Learning to budget on smaller incomes and finding ways to improve your credit score are just a few that will help you. You can also take advantage of on line credit services that are offered through your bank or lending company. They can also help you to budget, reverse bad credit, and increase credit scores. While some of these services are free for the asking, others may cost you a small fee. Either choice, you will find answers that will help you to achieve the financial goals that you set for yourself.

By using on line credit services, you will not only help yourself but you may make it easier on the ones that help you by not having to support you. It is never too late to start standing on our own two feet. By reversing our finances, we not only take away stress but we’ll also learn a new way of life. A life filled with great expectations as we achieve our goal of financial freedom. If we are so dependent on others now, what will happen when those people are no longer there to help us? Can you make it on your own? For how long? We need to fix our own finances so that we can depend on ourselves instead of everyone else. Don’t you think?

The Credit-Debt-Help-Site has all the tools you will need from “DIY” credit repair, credit repair services, debt consolidation, and debt eliminator software. Just go to top of page and click on our various tab buttons and check out all of our services and products. Also click on the Google links located in the gray boxes at the top, bottom and on the right hand side of every page.

The Average Credit Debt in America Continues to Rise

October 1,2018 by  
Filed under Free Debt & Credit Information

Every year, the American consumer raises there average credit debt by 12%. Last year, the credit debt average per consumer was $10,300. This year, it has increased to more than $11,000. Without mortgages being included, an average household debt is between $18,000 and $21,000.

How Does Bad Mortgage Credit Affect Our Future

Having bad mortgage credit can drastically affect and hurt our future. In today’s economic uncertainty, we hear of more and more people losing their homes. Losing a home is devastating enough, but what most people don’t realize is that they have also lost their financial security.